Choice Stories

July 14, 2021

Maximize Employee Health Options With Total Choice

Employee benefit surveys commonly show health insurance among the most appreciated employee benefits. In the MetLife 2021 Employee Benefits Trends Study, health insurance ranked atop employees’ prioritized benefits list. An overwhelming majority – 85% – said it is a “must have.” Ten percent said it is nice to have. A mere four percent said it was unneeded.

With so much employee enthusiasm for health insurance, the challenge for you is finding coverage that can address all employees’ needs. That’s especially true with today’s workforce so diverse (often multi-generational and multi-ethnic). CaliforniaChoice Total Choice is the answer.

More Tiers, More Choices

Since CaliforniaChoice began in 1996, it has offered employers a better way to control employee benefits costs. And it does so, while offering increased choices to employees.

Today, CaliforniaChoice offers four options to you and your employees.

Total Choice: Access to health plans and benefits in all four ACA plan tiers:

  • Platinum
  • Gold
  • Silver
  • Bronze

Triple Choice: Access to health plans and benefits in three plan tiers:

  • Platinum, Gold, and Silver
  • Gold, Silver, and Bronze

Double Choice: Access to health plans and benefits in two plan tiers:

  • Platinum and Gold
  • Gold and Silver
  • Silver and Bronze

Single Choice: Access to health plans and benefits in any single plan tier:

  • Platinum
  • Gold
  • Silver
  • Bronze

Total Choice has been the leading employer option since its 2020 launch.

Total Choice satisfies everyone:

  • Provides employees with the most benefit choices and price points to satisfy their needs.
  • Employees can buy up or down, allowing employers to keep costs low without limiting choice for employees.
  • Encourages increased participation by offering the lowest-cost options for employees wanting to enroll dependents, and options providing the highest level of coverage.
  • Offer more at renewal! Total Choice is a great way to offer all options without disrupting current plan availability for your group.
  • There’s no cost to offer Total Choice, and there is no participation requirement for any tier.

Coverage from Top Carriers

CaliforniaChoice gives you and your employees access to nine health plans – and dozens of coverage options – across California.

  • Anthem Blue Cross
  • Cigna + Oscar
  • Health Net
  • Kaiser Permanente
  • Oscar
  • Sharp Health Plan
  • Sutter Health Plus
  • UnitedHealthcare
  • Western Health Advantage

With CaliforniaChoice, your employees can choose from HMO, EPO, and PPO plans based on their unique needs. It’s their choice.

Offering this level of choice also gives you a recruiting advantage and a powerful tool to help you retain current employees. And it does so without increasing your costs, as compared to a single health plan solution.

Defined Contribution Cost Control

One of the biggest advantages offered by CaliforniaChoice is Defined Contribution. It lets you decide how much you want to contribute toward your employees’ benefits costs, without limiting your employees' benefit choices.

You can choose a Fixed Percentage (50% to 100%) of a specific plan and/or benefit, or you choose to contribute a Fixed Dollar Amount for each employee.

Your employees then apply your generous contribution toward whatever health plan they each like best. If the plan an employee prefers costs more than you’re contributing, the employee simply pays the difference.

Options for Other Coverage

In addition to great Medical coverage, CaliforniaChoice includes options for Dental, Vision, Chiropractic, and Life, too.

There are value-added extras as well – for you and your employees. The Business Solutions Suite offers HR Support, a Flexible Spending Account (FSA), COBRA or Cal-COBRA billing services, and a Premium Only Plan (initial set-up at no cost). The Member Value Suite includes outstanding savings on entertainment, a range of fitness and wellness products, and discount services for Dental, Vision, and prescription drugs, as well as a free hearing service plan.

Whether you have one employee or 100, you’ll receive a single, consolidated monthly bill that lists all of your employees, their selected coverage, your contribution, and employee deductions. It’s also easy to pay your CaliforniaChoice bill and manage your employee benefits online.

Talk with a Broker to Learn More

If you’re considering employee benefits for the first time, or you want to review your program to make sure you’re getting the most value for your dollar, a great place to start is by talking with an employee benefits broker.

A broker can help you review available health plans and networks, talk about your tier options, including Total Choice, and deliver a quote based on your employees’ specific needs.

If you’re not already working with a broker, we can help you search for one here. The services of a broker will not cost you anything – and using one could actually save you and your company time and money.

Your Beginner's Guide to Choosing a Small Business Employee Benefits Program

Do you need help choosing the right health benefits for your employees?
This guide can help!